Massachusetts Home Modification Loan Program (HMLP)
MassAbility (formerly MRC), administered by Metro Housing Boston and regional agencies
About This Program
The Grant Map catalogs Massachusetts Home Modification Loan Program (HMLP) in its Boston, MA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
The HMLP provides 0% interest deferred loans up to $50,000 (or $30,000 for manufactured homes) to homeowners or landlords who need to make accessibility modifications for a household member with a disability or a resident aged 60 or older. Eligible modifications include wheelchair ramps and lifts, widened doorways, accessible bathrooms and kitchens, sensory spaces, and ADUs. Repayment is deferred until the home is sold or transferred.
0% interest deferred loan, $1,000-$50,000 (up to $30,000 for manufactured homes). Repaid only on sale or transfer. Income guidelines apply based on household gross income.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Boston, MA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Boston HomeWorks Green Loan Program Up to $70,000
- Boston HomeWorks Home Equity Loan Program (HomeWorks HELP) Up to $50,000 (3-4 family)
- Boston Senior Home Repair Loan 0% deferred loan; amount based on necessary work
- Boston Seniors Save Program Up to $12,000 grant
Key Details
- 0% interest deferred loan, no monthly payments until home is sold
- Up to $50,000 for accessibility modifications (ramps, lifts, widened doors, accessible baths)
- Must have a household member with a disability or be age 60+
- Homeowners and landlords in buildings with fewer than 10 units qualify
- Apply through Metro Housing Boston: metrohousingboston.org or call 617-425-6600
How to Apply
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Track this programProgram phone: 617-425-6600
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Boston.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- Proof of age (driver's license or birth certificate) if the program is age-based.
- Documentation of disability (award letter or a physician's statement) if the program is disability-based.
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, year-round applications
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Frequently asked questions
What amount is listed for Massachusetts Home Modification Loan Program (HMLP) in Boston, MA?
The Grant Map record states: Up to $50,000. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Massachusetts Home Modification Loan Program (HMLP) in Boston?
The directory record carries audience tags for homeowners. It carries a senior-related tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Massachusetts Home Modification Loan Program (HMLP) in Boston, MA?
Confirm the application route directly with MassAbility (formerly MRC), administered by Metro Housing Boston and regional agencies; use the cited source on this page as a starting point or call 617-425-6600. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Boston, MA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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